Business Calculators Malaysia 2026
Free financial tools built for Malaysian SME owners. From basic loan repayment estimates to DSR eligibility checks and side-by-side loan comparisons — all free, no signup required.
Loan Repayment Calculator
Calculate monthly repayment for any SME loan amount and rate
Use Calculator →Loan Comparison Calculator
Compare two loan offers side by side to find the cheaper option
Use Calculator →Startup Loan Calculator
Estimate repayments for new business loans with no revenue history
Use Calculator →TEKUN Loan Calculator
Calculate TEKUN Niaga repayments including management fund and savings
Use Calculator →Why Use a Business Loan Calculator?
Before committing to any SME loan in Malaysia, running the numbers through a calculator can save you thousands of ringgit. Malaysian banks quote rates in different ways — some use reducing balance (most bank term loans), while government schemes like TEKUN use flat rate. A 4% flat rate actually costs you the equivalent of roughly 7.2% on a reducing-balance basis, which is a significant difference on a RM100,000 loan.
Our calculators are designed specifically for the Malaysian lending landscape. They cover the major bank loan products, the TEKUN Niaga scheme, BSN MADANI microloans, and include a DSR (Debt Service Ratio) tool to help you understand whether a lender is likely to approve your application before you even submit.
All tools run in your browser. No data is sent to any server, and no signup is required.
Frequently Asked Questions
Are these business calculators free to use?
Yes, all calculators on this page are completely free to use with no signup required. They run entirely in your browser and do not store any data you enter.
How accurate are these SME loan calculators?
The calculators use the same standard amortisation formulas used by Malaysian banks. Results are highly accurate for reducing-balance term loans. For flat-rate products like TEKUN (4% flat) and MADANI (3% flat), the TEKUN and MADANI calculators include the correct flat-rate and fee logic specific to those schemes.
What is the difference between the Loan Repayment Calculator and the Loan Comparison Calculator?
The Loan Repayment Calculator shows your monthly instalment, total interest, and full amortisation schedule for a single loan. The Loan Comparison Calculator lets you enter two different loan offers side by side — different amounts, rates, or tenures — so you can see which costs less in total over the loan period.
Which calculator should I use for TEKUN or MADANI loans?
Use the dedicated TEKUN Loan Calculator for TEKUN Niaga financing — it correctly handles the 4% flat rate plus 4% management fund and 5% mandatory savings. Use the MADANI Loan Calculator for BSN Mikro MADANI (3% flat, up to RM50,000) and MADANI SME loans. Do not use the general Loan Repayment Calculator for these schemes as they have a different fee structure.
Ready to Apply for an SME Loan?
Once you have your repayment estimates, speak to our advisors for a personalised loan match. Free consultation, no obligations.